Need help with Homeowner insurance

[bethlinn]

Hi all. Recently purchased a home and we purchased that new homebuyer insurance that included coverage for the A/C unit. Lo and behold, the compressor went out, and they're working on covering that. Here's the part I'm having an issue with:

The evaporator coil is not compatible with any compressor they can put on it. The compressor is 4 tons, and the evaporator coil is 5 tons (the discrepency was intentional at the time, that size would make the A/C work more efficiently). They can't just drop in a 5 ton compressor either because the furnace is 4 tons, causing a severe mismatch. The repairman mentioned they are likely going to push hard to not cover the evaporator coil. What are my options? I paid for the service, and I definitely feel if part of the system goes out and they should replace any parts in order to make the system operational again.




Edit:

Adding this info in. I'm in California, and here is the sample warranty coverage we purchased. Comments are correct, I meant home warranty, not insurance.

https://f.hubspotusercontent10.net/...6_1PDFs/Brochures/CA_6_1_CRES_13_Brochure.pdf

 

[danrisk]

@bethlinn

coverage for the A/C unit

What was this coverage?

I also am not familiar at all with A/C stuff, so how much would this repair cost? If it is below your deductible, or even a little over, it isn't worth it to put in a claim to your insurance.

 

[penimary]

@danrisk pretty sure OP said Insurance but meant Home Warranty

 

[bethlinn]

@penimary You are correct. added an edit to clarify.

 

[danrisk]

@penimary That is what I assumed as well.

 

[bethlinn]

@danrisk Added in some information including the sample brochure they have online

 

[onangelwings]

@danrisk Equipment breakdown coverage. Mostly useless in my opinion.

 

[thebiblesays]

@onangelwings Incredibly useful, actually.

 

[bethlinn]

@onangelwings You're not wrong, however, they are likely replacing my compressor unit outside, which from the info the repairman told me is going to cost about $3-4k. I believe we only paid 800 for the warranty? so even with just the compressor replacement, it's paid for itself in repairs.

 

[onangelwings]

@bethlinn Equipment breakdown is a type of coverage on your homeowner's policy. Warranty is warranty. I was talking about the former.

 

[bethlinn]

@onangelwings ah. got it